Security Bank of Southwest Missouri: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Yield on securities: 1.63 percentage points higher than in Q1 2026, at 4.58%. Within Missouri, Security Bank of Southwest Missouri is 20th of 192 on net interest margin, 5.01% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Security Bank of Southwest Missouri sits 1.06 points higher, at 5.01% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.85% |
| Yield on loans | 7.58% |
| Yield on securities | 4.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.22% |
| Cost of interest-bearing deposits | 2.54% |
| Cost of interest-bearing liabilities | 2.54% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.01% |
| Yield to cost spread | 4.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $659K |
| Interest expense on deposits | $659K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.04% | 1.57% | 4.62% | 6.34% | 3.90% |
| Q4 2023 | 6.48% | 2.02% | 4.66% | 6.84% | 4.32% |
| Q1 2024 | 6.38% | 2.17% | 4.42% | 6.71% | 4.46% |
| Q2 2024 | 6.47% | 2.37% | 4.33% | 6.83% | 4.59% |
| Q3 2024 | 6.73% | 2.56% | 4.42% | 7.10% | 4.63% |
| Q4 2024 | 6.92% | 2.50% | 4.68% | 7.41% | 4.42% |
| Q1 2025 | 6.68% | 2.45% | 4.46% | 7.25% | 4.11% |
| Q2 2025 | 6.72% | 2.36% | 4.73% | 7.35% | 4.18% |
| Q3 2025 | 6.85% | 2.20% | 4.89% | 7.50% | 4.10% |
| Q4 2025 | 6.75% | 2.21% | 4.80% | 7.33% | 3.98% |
| Q1 2026 | 6.66% | 2.22% | 4.81% | 7.42% | 2.95% |
| Q2 2026 | 6.85% | 2.22% | 5.01% | 7.58% | 4.58% |
Security Bank of Southwest Missouri yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank of Southwest Missouri, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Security Bank of Southwest Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26520) · FFIEC NIC profile (RSSD 897853)